KR102122286B1 - Apparatus for smart management of bank cash - Google Patents

Abstract

The present invention main body; A bill management unit having a bill input/output section and a bill discrimination section on the main body, and counting and storing bills of less than a preset number of sheets inputted by type; A coin management unit for counting and storing cut coins inputted into the main body in a coin box state by type; And a control unit having an algorithm for simultaneously calculating the bill counting amount of the bill management unit and the coin counting amount of the coin management unit. Characterized in that it comprises.
Accordingly, in the trial processing accompanying the cash in and out of a financial institution, it has the effect of encouraging daily automatic settlement of all branches and storage for each employee based on the clear recognition of paper money and coins, thereby improving work efficiency and security. have.

Description

Smart financial trial management device {Apparatus for smart management of bank cash}

The present invention relates to financial automation, and more particularly, to a smart financial market management device for determining and calculating the daily withdrawal of cash involved in a financial transaction process.

ATMs for automating financial transactions initially started as cash machines, but are constantly evolving in response to customer demands and market changes. It is recognized that the expansion of ATMs increases the efficiency of bank branches' employees, thereby improving profitability. In general, the deposit and withdrawal of financial institutions, including banks, is settled through daily trials between the counter staff and the parent account manager. If daily tasks such as prototypes are brought to life in connection with ATMs, it is expected that work efficiency will increase further.

In the conventional case, there is an inconvenience that the user (an executive) must arrange the samples and store them in a safe room, and bring them back from the safe room when preparing for business.

In addition, there is a problem in that space is narrowed because important certificates such as a card, issuing machine, and passbook are located in the place of the user (member).

In addition, there is a risk of inconsistency in the sample due to negligence/carelessness in the way of writing the sample by hand, and there is inconvenience.

Patent documents such as Korean Registered Patent Publication No. 0870242 (Prior Art Document 1) and Korean Registered Patent Publication No. 13,3033 (Prior Art Document 2) are known as prior art documents that can be referred to in connection with municipal management.

Prior document 1 is a terminal for relays; An automated teller machine for counting and dispensing bills by volume and checking and counting by volume; Terminal for the manager to monitor the prototype; It includes; a central server for receiving the deposit and withdrawal information from the terminal for management, and manages the financial information. Accordingly, it is expected to prevent an accident caused by the neglect of bills and to process cash counting quickly and accurately.

In the prior art document 2, an input unit for receiving employee information, a counting unit for counting cash input by type to generate counting information, a driving unit for driving a plurality of cassettes provided in a municipal storage unit, and cash to any one of the plurality of cassettes It includes a control unit for storing and storing employee information and counting information. Accordingly, it is expected that the effect of minimizing errors in settlement work and promoting efficient trial management is expected.

However, according to the above-mentioned prior documents, it is difficult to increase the degree of completeness in terms of vitalizing the market management of the entire financial business branch, including self-cut bills and coins, with the settlement of bills in cash as the main subject.

Korean Registered Patent Publication No. 0870242 "Financial system and method for managing the market using an automated teller machine for cashiers" (published date: 2007.07.06.) Korean Registered Patent Publication No.1391303 "Trial storage device and method" (published date: 2014.05.02.)

An object of the present invention for improving the conventional problems as described above is to provide a smart financial market management device that automatically processes the market management of the entire branch and stores a deposit and withdrawal log to realize quick and clear market management.

Another object of the present invention is to reduce the amount of work and the time required for the entire test of inspection in the branch office, which is performed once a month with the test deadline tracking function.

Another object of the present invention is to enable automatic management of all samples in a branch by operating with a deposit and delivery sample manager.

Another object of the present invention is to improve convenience and increase space utilization of the safe room by storing important certificates in the device.

Another object of the present invention is to provide space utilization since it is not necessary for the attendant to have a separate device by providing a card storage and issuing function.

In order to achieve the above object, the present invention is a main body; A bill management unit having a bill input/output section and a bill discrimination section on the main body, and counting and storing bills of less than a preset number of sheets inputted by type; A coin management unit for counting and storing cut coins inputted into the main body in a coin box state by type; And a control unit having an algorithm for simultaneously calculating the bill counting amount of the bill management unit and the coin counting amount of the coin management unit.

As a detailed configuration of the present invention, the bill management unit includes a bill storage unit for storing cut-out bills by type in a cassette or a stacker, and a bill discrimination unit for counting bills as a single sheet and summing them as a trial amount.

As a detailed configuration of the present invention, the coin management unit includes a coin storage unit for storing a coin box in which each coin is received by type, and a coin settlement unit for counting coins in each coin box and summing them as a trial amount.

The coin settlement unit counts stacked coins exposed by the coin box using the camera image of the coin counting unit.

As a modified example of the present invention, the main body is further detachably provided with a card manager that processes card issuance and issuance.

The card manager includes a cashier stacker for loading unissued cards, a cashier processing unit for dispensing and issuing cards from a cashier, and a card management unit for processing the card issuing process. Store information in association.

The card management unit further includes a process of replenishing a card from an adjacent replenishment stacker when it is determined that the card is insufficient in the deposit/withdrawal stacker.

The card manager further includes a certificate storage box to store important documents such as unissued passbooks, cards, and checks.

As a detailed configuration of the present invention, the control unit includes a controller, an I/D detector providing user information to the controller, and a location detector providing storage location information of bills and coins to the controller.

The controller stores the image of the individual user photographed with the camera in the I/D detector together with the trial management record.

The controller associates and stores the test deadline information of the bill management unit and the coin management unit with the card issuing information of the card manager.

As described above, according to the present invention, in the trial processing accompanying the cash in and out of a financial institution, the daily automatic settlement of the entire branch and the storage of each employee in charge are induced based on the clear recognition of the paper money and coins to improve work efficiency and security. It has the effect of promoting.

1 is a schematic view showing the appearance of a device according to the present invention
Figure 2 is a schematic diagram showing a bill management unit of the device according to the present invention
Figure 3 is a schematic diagram showing a coin management unit of the device according to the present invention
4 is a schematic view showing a modification of the device according to the present invention
Figure 5 is a block diagram showing the control circuit of the device according to the present invention
Figure 6 is a flow chart showing the main operation of the device according to the present invention

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

The present invention proposes a device for managing a financial market in a smart manner. It is targeted at devices that manage the market in connection with ATMs for processing media for financial automation, but is not limited thereto. Particularly, in the trial management of financial institutions, the vitalization of the work of counting and settlement of paper money and coins is essential. ATM is narrowly limited to financial processing for the general customer or financial management for the trial management of employees (executives), but may be broadly applied to include both the former financial processing and the latter trial management.

For reference, the ATM processing unit 11 includes a bill input/output unit 22 for entering and exiting media such as bills, checks, and securities, and a bill discrimination unit 25 for discriminating the authenticity and type of media, as described later. .

The main configuration of the present invention comprises a main body 10, a bill management unit 20, a coin management unit 30, a control unit 50, and the like. The main body 10 accommodates the bill management unit 20 and the coin management unit 30, and optionally processes a trial item in connection with the card manager 40. Trial management includes a process of counting banknotes and coins that are input to the main body 10.

The main body 10 of the present invention is equipped with an ATM processing unit 11 and can be equipped with a function for processing known ATM-related tasks. Basically, the ATM processing unit 11 has a function of grasping the authenticity of banknotes and coins inputted for ATM processing. The display 17 is preferably configured using a touch screen, and receives an external input and displays an operating state including deposit and withdrawal. The operation unit 18 for input of a user including a row member may be configured on the display 17. The display 17 and the operation unit 18 may display menus and information for deposit or withdrawal, and may input or select commands or information for deposit or withdrawal.

At this time, the main body 10 of the present invention may be equipped with a customer information acquisition unit 15 for the normal ATM function. The customer information acquisition unit 15 is connected to the passbook processor 13 and the card processor 14. The passbook processor 13 may include a passbook processing module for allowing entry and exit of a passbook and to recognize a passbook. The card processor 14 may include a card processing module for retrieving cards and recognizing cards. In addition, the customer information acquisition unit 15 may acquire customer information using short-distance communication, RFID tag, or information recorded in USB or biometric information such as a fingerprint.

Meanwhile, although not illustrated, the ATM processing unit 11 may include a cash recycling module (CRM), a customer access module (CAM), and a bill storage box.

The bill management unit 20 according to the present invention includes a bill input/output unit 22 and a bill discrimination unit 25 in the main body 10, and counts and stores bills of less than a preset number of sheets by type. The bill entry/exit unit 22 may be configured exclusively for trial management, or may be used mounted on the ATM processing unit 11 that performs ATM processing. In any case, the bill input/output unit 22 may transport bills that are input in units of sheets or bundles. The bill discrimination unit 25 may include an image sensor, a thickness detection sensor, a magnetic detection sensor, and a UV sensor. The bill discrimination unit 25 is a part for identifying the cut-out bills, counting the cut-off bills that are input as a single sheet, and summing the counted bills at a cash register (not shown) to be calculated as a trial amount.

Basically, the bill management unit 20 counts and stores the number of cut-out bills less than the set number of sheets input to the main body 10 for each type. The bill management unit 20 is installed adjacent to the inlet for inserting bills, and a shutter 21 that can be opened and closed electronically is installed at the inlet of bills. Accordingly, the shutter 21 is automatically opened only when the trial deadline menu is selected in the main body 10 or after the proof of identity of the person in charge.

As a detailed configuration of the present invention, the bill management unit 20 includes a bill storage unit 26 for storing cut-out bills by type in a cassette or a stacker. Referring to Figure 2, the bill storage section 26 is composed of a cassette, so it is easy to collect and remove bills by detachment. The bill storage unit 26 includes a single volume type storage box in which a single volume type of medium is stored, and a multi-type storage box in which multiple volume types of media are stored separately. It is exemplified by multiple media storage boxes in the city, such as 10,000 won, 50,000 won/5,000 won, and 1,000 won.

Of course, as will be described later, the final trial summation is performed by the controller 52 of the control unit 50 which will be described later, but the counted information can be transmitted from the controller 52 and summed in a separate delivery date server or a separate trial management server.

Meanwhile, a collection box 27, a temporary storage box 28, and the like are disposed adjacent to the bill storage section 26. The collection box 27 is a deposit cassette for receiving only deposits without a function of withdrawing a medium deposited through an ordinary ATM channel, and the unrecognized or abnormal bills, damaged bills, and non-refundable bills in the bill discrimination section 25 Save the back. Among the input medium, the unidentified or abnormal medium is collected in the collection box 27 without depositing it in the bill storage section 26. The temporary storage box 28 is a cassette for temporarily storing deposit or withdrawal media. The medium of the temporary storage box 28 may be transferred to the bill storage unit 26 when the customer finally decides to store the medium. Alternatively, the temporary storage box 28 may temporarily accumulate the medium to be transferred to the bill entry/exit 22.

The coin management unit 30 according to the present invention counts and keeps coins cut by type into the coin box 36 in the main body 10. The coin management unit 30 is installed adjacent to the inlet for receiving and inserting coins into the coin box 36. It is preferable to provide a shutter 31 that can be opened and closed electronically at the inlet of the coin box 37. Accordingly, the shutter 31 is automatically opened only when the trial deadline menu is selected in the main body 10 or after the proof of identity of the person in charge.

As a detailed configuration of the present invention, the coin management unit 30 is stored in the coin storage unit 33 and each coin storage box 36 for storing the coin storage box 36 which accommodates each coin by type. It is provided with a coin settlement unit 35 for counting coins and adding them up as a trial amount. Referring to FIG. 3, an example of a state in which the coin box 36 used by each row member is input to the main body 10 for the settlement of the trial is illustrated. The coin storage unit 33 stores the coin box 36 of each row member on the slot 32a of the track 32 so as to be transportable and position-aware. The coin settlement unit 35 counts coins accommodated in the coin box 36 of the slot 32a allocated for each employee for each type of book, such as 1 won, 10 won, 50 won, 100 won, 500 won. When the counting of the own coin for the coin box 36 is completed, it is settled as a trial amount by adding up the counted coins in the parent machine (not shown).

At this time, the coin settlement unit 35 counts the stacked coins exposed by the coin box 36 using the camera image of the coin counting unit 38. The coin box 36 is provided with a through hole 36a for each type of roll, so that the loaded state is exposed from the outside. The coin counting unit 38 uses a camera installed at a certain position of the track 32, and acquires a coin loading image for the entire through hole 36a. It is preferable to install a scale (not shown) in the through hole 36a for each type of coin box 36 to improve the accuracy and speed of counting. In the coin loading image, the coin area for each book type is divided and the total amount of money for each book type is counted based on the divided area. It is possible to quickly count coins by recognizing the total amount of each type of book using images without physically separating the stacked coins.

The control unit 50 according to the present invention simultaneously calculates the bill counting amount of the bill management unit 20 and the coin counting amount of the coin management unit 30. The control unit 50 may be included in an algorithm for controlling the ATM processing unit 11 of the main body 10, or may be configured based on separate independent hardware. In any case, the control unit 50 counts the number of cut-out bills of the input sheet and the cut-out coin of the coin box 36, and calculates them daily, and in connection with the ATM processing unit 11, is performed once a month by tracking the trial deadline. Corresponds to the entire test.

That is, the control unit 50 is negotiatedly connected to the bill management unit 20 and the coin management unit 30, but broadly, the ATM processing unit 11, the customer information acquisition unit 15, the display 17, the operation unit 18 ) And so on.

As a detailed configuration of the present invention, the control unit includes a controller, an I/D detector providing user information to the controller, and a location detector providing storage location information of bills and coins to the controller. The controller 52 is composed of a microprocessor, a memory, an input/output interface, and a microcomputer circuit equipped with a driver 58. The memory of the controller 52 stores information on specifications of bills and coins in addition to the execution program. Of course, the controller 52 is not necessarily limited to separate hardware and may be included in the ATM processing unit 11 and the like. The I/D detector 54 checks the I/D card, body information, etc., which proves the identity of the person in charge. The position detector 56 may recognize the positions of the bills and the coin box 36 input by a specific row member and output them through the display 17 or the like.

The controller 52 stores the images of individual users photographed with the camera by the I/D detector 54 together with the trial management records. A user face photographing camera (not shown) is installed adjacent to the display 17 or the I/D detector 54 of the main body 10. The controller 52 inputs an identity through the I/D detector 54 and captures a related image while performing a trial and stores it as mutually matched data.

An example of operation according to the present invention will be described with reference to FIGS. 5 and 6.

When a user (executive agent) authenticates his or her identity through the I/D detector 54, selects a menu to start a trial management through the control unit 18, and inputs a cut-out bill into the bill input/output unit 22 Proceeds. If there is an error related to the counting of the bill, the original bill is returned and the procedure is performed depending on whether or not it is re-inserted. If there is no error in the counting of bills, the bills are stored in the bill storage section 26 to register the prototype. The bill image is stored in the trial registration. Subsequently, when the shutter 31 is opened, the coin box 36 is put into the track 32 of the coin storage unit 33, and the shutter 31 is closed, and counting for a cut coin proceeds at the same time. If an error is issued regarding the coin counting, the coin box 36 is returned and the procedure is performed depending on whether or not it is re-inserted. If there is no error in the coin counting, it is stored in the track 32 of the coin storage unit 33 and a test sample is registered. At the end of a series of settlement processes, a deposit and withdrawal log is saved.

As a modified example of the present invention, the main body 10 may further include a card manager 40 that processes card issuance and issuance. 1 and 4, a state in which a card manager 40 having a similar size is installed on one side of the main body 10 is illustrated. The card management unit 45, which is installed in the upper space of the card manager 40, loads unissued credit cards and check cards, and dispenses the card in an unissued state at the request of the operator or enters user information and card issuance information into the card. After that, it goes out through the normal issuance process.

The card manager 40 is provided with a deposit and withdrawal stacker 41 for loading unissued cards, a withdrawal processing unit 43 for dispensing and issuing cards from the withdrawal stacker 41, and a card management unit 45 for processing the card dispensing process. , The card management unit 45 stores the requested user information and the issued card information in association with the card dispensing. The deposit and withdrawal stacker 41 is composed of a plurality of adjacent arrangements, and loads various types of unissued cards, such as credit cards and check cards, without any type. The deposit and withdrawal processing unit 43 is configured to move cards up and down, left and right in correspondence with the plurality of deposit and withdrawal stackers 41, and to deposit and withdraw cards from the selected deposit and withdrawal stackers 41. Although not shown in the figure, the deposit/withdrawal processing unit 43 may include a card reader and a card issuer. The card management unit 45 withdraws and issues a card desired by the customer in response to selection through the operation unit 18 of the main body 10. The card management unit 45 stores information on the type and location of the card loaded in the deposit and withdrawal stacker 41.

The card management unit 45 further includes a process of replenishing the card from the adjacent replenishment stacker 42 when it is determined that the card of the deposit/withdrawal stacker 41 is insufficient. The supplement stacker 42 is installed adjacent to the deposit and withdrawal stacker 41 and stores the unissued card in a loaded state. The supplement stacker 42 is preferably installed to be taken out and replaceable. In the process of using the card manager 40, when a specific card is insufficient, the card manager 45 operates the cashier processing unit 43 to withdraw the card from the replenishment stacker 42 and store it in the cashier stacker 41. Store information.

Meanwhile, the card manager 40 further includes a certificate storage box 46 to store important documents such as an unissued passbook, card, and check. Referring to FIG. 4, a certificate storage box 46 is installed together with the door 47 in the lower space of the card manager 40. Storing unissued passbooks, cards, checks, etc. in the certificate storage box 46 can increase the space utilization of the vault.

According to the present invention, the controller 52 associates and stores the trial deadline information of the bill management unit 20 and the coin management unit 30 with card issuing information of the card manager 40. Normally, the controller 52 performs trial management of bills and coins, but it is preferable to perform management of cards when the card manager 40 is connected to the main body 10. In addition to the normal ATM function, since the trials for bills, coins, and cards are processed in one place, the effectiveness of vitalization is improved by reducing the flow of the attendant.

It is apparent to those skilled in the art that the present invention is not limited to the described embodiments, and can be variously modified and modified without departing from the spirit and scope of the present invention. Therefore, such modifications or modifications will have to belong to the claims of the present invention.

10: main body 11: ATM processing unit 13: passbook processor
14: card processor 15: customer information acquisition unit 17: display
18: control unit 20: bill management unit 21: shutter
22: bill entry and exit 25: bill identification 26: bill storage
27: collection box 28: temporary storage box 30: coin management department
31: shutter 32: track 33: coin storage
35: coin settlement unit 36: coin box 38: coin counting unit
40: Card manager 41: Cashier Stacker 42: Supplemental Stacker
43: deposit and withdrawal processing unit 45: card management unit 46: certificate storage
47: door 50: control unit 52: controller
54: I/D detector 56: position detector 58: drive unit

Claims (11)

main body;
A bill management unit having a bill input/output section and a bill discrimination section on the main body, and counting and storing bills of less than a preset number of sheets inputted by type;
A coin management unit for counting and storing cut coins inputted into the main body in a coin box state by type; And
The control unit including an algorithm for simultaneously calculating the bill counting amount of the bill management unit and the coin counting amount of the coin management unit;
The coin management unit is provided with a coin settlement unit for counting stacked coins exposed by the coin box using the camera image of the coin counting unit, a smart financial trial management device. The method according to claim 1,
The bill management unit is a smart financial trial management device, characterized in that it comprises a bill storage unit for storing the cut-out bills by type in a cassette or a stacker. The method according to claim 1,
The coin management unit includes a coin storage unit that stores a coin box that accommodates each coin by type on a track, and a coin settlement unit that counts coins in each coin box and sums them as a trial amount. Device. The method according to claim 3,
The coin settlement unit is a smart financial trial management device, characterized in that for counting the stacked coins exposed by the coin box using the camera image of the coin counting unit. The method according to claim 1,
The main body is a smart financial trial management device, characterized in that it further comprises a card manager for detaching and issuing cards. The method according to claim 5,
The card manager includes a cashier stacker for loading unissued cards, a cashier processing unit for dispensing and issuing cards from a cashier, and a card manager processing the card issuing process,
The card management unit is a smart financial trial management device, characterized in that to store the associated card information and the requested user information when the card is dispensed. The method according to claim 6,
The card management unit further comprises a process of replenishing a card from an adjacent replenishment stacker when determining the card shortage of the deposit/withdrawal stacker. The method according to claim 5,
The card manager is a smart financial trial management device characterized in that it further comprises a certificate storage box to store important documents such as unissued passbooks, cards, and checks. The method according to claim 1,
The controller includes a controller, an I/D detector that provides user information to the controller, and a location detector that provides information on the storage location of bills and coins to the controller. The method according to claim 9,
The controller is a smart financial trial management device characterized in that it stores the image of the individual user photographed with the camera in the I/D detector together with the trial management record. The method according to claim 9,
The controller is a smart money management system, characterized in that the banking and coin management unit trial closing information and card issuing information of the card manager is stored in association.

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